Gene Taylor has served as Chairman of our Board of Directors and as our Chief Executive Officer since our founding in 2009. Mr. Taylor spent 38 years at Bank of America Corp. and its predecessor companies, most recently as the Vice Chairman of the firm and President of Global Corporate & Investment Banking. Mr. Taylor also served on Bank of America's Risk & Capital and Management Operating Committees. He originally joined Bank of America in 1969 as a credit analyst. He served in branch offices, marketing and management positions across North Carolina and Florida. In 1990, Mr. Taylor was named President of the Florida Bank and, in 1993, President of NationsBank Corp. in Maryland, Virginia and the District of Columbia. In 1998, Mr. Taylor was appointed to lead Consumer and Commercial Banking operations in the legacy Bank of America Western U.S. footprint. He subsequently returned to Charlotte, North Carolina to create a national banking unit and, in 2001, was named President of Bank of America Consumer & Commercial Banking. In 2004, Mr. Taylor assumed responsibility for the organization's combined commercial banking businesses known as Global Business & Financial Services, before being named Vice Chairman of Bank of America and President of Global Corporate & Investment Banking in 2005. Prior to joining us, Mr. Taylor served as a Senior Advisor at Fortress Investment Group LLC. Mr. Taylor serves as a director of Capital Bank Corporation, our operating bank subsidiary. Mr. Taylor is a Florida native and received his Bachelor of Science in Finance from Florida State University. Mr. Taylor previously served on the boards of directors of Capital Bank Corp., Green Bankshares and TIB Financial Corp., three companies we held controlling interests in prior to the time we merged each of these companies into the Company in September 2012 as part of our reorganization. Mr. Taylor is a director of Sonic Automotive, Inc.
Chris Marshall, 56, has served as our Chief Financial Officer since our founding in 2009. From May to October 2009, Mr. Marshall served as a Senior Advisor to the Chief Executive Officer and Chief Restructuring Officer at GMAC, Inc. From July 2008 through March 2009, he also served as an advisor to The Blackstone Group L.P., providing advice and analysis for potential investments in the banking sector. From 2006 through 2008 Mr. Marshall served as the Chief Financial Officer of Fifth Third Bancorp. Mr. Marshall served as Chief Operations Executive of Bank of America's Global Consumer and Small Business Bank from 2004 to 2006. Mr. Marshall also served as Bank of America's Chief Financial Officer of the Consumer Products Group from 2003 to 2004, Chief Operating Officer of Technology and Operations from 2002 to 2003 and Chief Financial Officer of Technology and Operations from 2001 to 2002. Prior to joining Bank of America, Mr. Marshall served as Chief Financial Officer and Chief Operating Officer of Honeywell International Inc. Global Business Services from 1999 to 2001. From 1995 to 1999, he served as Chief Financial Officer of AlliedSignal Technical Services Corporation. Prior to that, from 1987 to 1995, Mr. Marshall held several managerial positions at TRW, Inc. Mr. Marshall earned a Bachelor of Science degree in Business Administration from the University of Florida and obtained a Master of Business Administration degree from Pepperdine University.
Ken Posner, 52, Chief of Strategic Planning and Investor Relations, has served in this role since our founding in 2009. Mr. Posner served as a consultant to Fortress Investment Group LLC from 2008 through most of 2009, where he developed acquisition strategies for distressed banks and thrifts, conducted due diligence of specific targets and prepared business plans for bank acquisition targets. Prior to Fortress, Mr. Posner was a Managing Director of Morgan Stanley, where from 1995 through 2008, he was an equity research analyst conducting research and recommending equity, debt and derivative investment strategies for a wide range of financial services firms. From 1985 to 1989, he served in the United States Army rising to the rank of Captain. Mr. Posner earned a Bachelor of Arts degree in English from Yale College, a Master of Business Administration with honors from the University of Chicago and previously received the Certified Public Accountant, Chartered Financial Analyst and Financial Risk Management designations.
Bruce Singletary, 65, has served as our Chief Credit Officer since January 1, 2014 and previously had the title of Chief Risk Officer since our founding in 2009. Mr. Singletary spent 32 years at Bank of America and its predecessor companies with the last 19 years in various credit risk roles. Mr. Singletary originally joined C&S National Bank as a credit analyst in Atlanta, Georgia in 1974. He served in various middle market line and credit functions. In 1991, Mr. Singletary was named Senior Credit Policy Executive of C&S Sovran, which was renamed NationsBank Corp. in January 1992 after its acquisition by North Carolina National Bank, for the geographic areas of Maryland, Virginia and the District of Columbia. Mr. Singletary led the credit function of NationsBank Corp. from 1992 to 1998 alongside Mr. Taylor, who served as President of this region from 1993 to 1998. In 1998, Mr. Singletary relocated to Florida to establish a centralized underwriting function to serve middle market commercial clients in the southeastern region of the United States. In 2000, Mr. Singletary assumed credit responsibility for Bank of America's middle market leveraged finance portfolio for the eastern half of the United States. In 2004, Mr. Singletary served as Senior Risk Manager for commercial banking for Bank of America's Florida Bank. Mr. Singletary earned a Bachelor of Science degree in Industrial Management from Clemson University and obtained a Master of Business Administration degree from Georgia State University.
Zahid Afzal is responsible for Capital Bank’s shared services for technology, operations, digital banking, payments, customer service, facilities management, vendor management, information security, project management office, and merger and acquisition integration. Before joining Capital Bank in 2013, Afzal was senior executive vice president and chief information officer for Huntington National Bank, where he led information technology, business operations, electronic channels, mergers and acquisitions integration and change management. Earlier, he served as senior vice president and chief information officer of consumer banking at Bank of America. Prior to that, he held various leadership positions with Citicorp, Broadslate Networks, and MCI Communications. Afzal earned a bachelor’s degree in computer science and management from Strayer University, and a bachelor’s degree in mathematics from Karachi University. He completed executive leadership programs from Duke University and Ohio State University.
Dave Briggs joined Capital Bank as Market President and Commercial Banking Executive for Middle Tennessee in 2016. Dave has been an integral part of growing Middle Tennessee for the last 15 years and has extensive lending and leadership experience in serving commercial, government, business banking and private wealth clients. Dave previously served at Bank of America, where his 27-year career included growing commercial, private wealth, government, business banking, and consumer relationships in Tennessee and North Carolina. Dave graduated from Western Carolina University with a degree in Business Administration. In addition, Dave is involved in numerous current and prior community activities which include serving on various boards including Fellowship of Christian Athletes, YMCA of Brentwood, United Way of Metro Nashville, Junior Achievement and Nashville Chamber of Commerce. He is also currently a member of the Red Kite Bicycles race team.
Edward Holden is Market President for South Florida, responsible for leading market strategy and new business development and for growing new commercial and consumer banking relationships. Throughout his more than 30-year banking career, Holden has worked in a variety of lending and management capacities, including middle market, commercial, retail, real estate and international lending. He has also had responsibilities for implementing growth strategies within established markets and expanding banking operations into new geographic markets. Prior to joining Capital Bank in 2014, Holden served as Wells Fargo’s senior vice president and group regional vice president for Dade, Broward and Palm Beach counties in Florida. Previously, he served in various leadership positions at Mercantil Commercebank, Union Planters Bank and Republic National Bank of Miami. Holden earned a bachelor’s degree and an MBA from the University of Florida.
Maria Justo has served as Enterprise Risk Executive of Capital Bank since 2013 with direct oversight of BSA/AML, Consumer Compliance, Loan Review and Enterprise Risk. From 2010 to 2012, Ms. Justo was Capital Bank’s Administrative Executive responsible for BSA/AML, Consumer Compliance, Facilities, and Human Resources. From 2003 to 2009, she was Regional Chief Credit Officer –Latin America of Barclays Capital, New York. From 1999 to 2002, Ms. Justo was Executive Vice President responsible for credit administration and loan operations for Hamilton Bank, N.A., Miami, Florida. From 1996 to 1999 Ms. Justo was President and Chief Executive Officer of Eagle National Bank, N.A., Miami, Florida. From 1991 to 1996 Ms. Justo was Vice President and Team Leader for the Southern Cone of Barclays Bank PLC, Miami Agency.
Ken Kavanagh oversees consumer banking, responsible for the 143-branch network of the bank’s entire footprint. He oversees Capital Bank’s customer service, card products and ATM and branch distribution. During his nearly 30-year banking career, he has held a variety of senior positions in consumer banking. Prior to joining Capital Bank, he was executive vice president of Citibank where he oversaw 352 branches in eight states. Earlier, Kavanagh was with Bank of America, where he served as consumer market executive in various regions in Florida and Texas. Kavanagh is a graduate of Florida State University.
Vince Lichtenberger has served as our Executive Vice President, General Counsel & Secretary since January 2013. Mr. Lichtenberger is responsible for the legal affairs of the company, including corporate governance, securities, acquisitions, litigation and banking laws. Before Capital Bank, he served as Senior Vice President, General Counsel & Secretary at Swisher Hygiene Inc. Prior to that, Mr. Lichtenberger served in senior legal positions with Goodrich Corporation, BorgWarner, Inc. and the Securities and Exchange Commission, and was in private practice in New York, Florida and Illinois. Mr. Lichtenberger earned a Bachelor of Arts degree in Economics from Columbia University and a Juris Doctor from Boston College Law School.
Rick Manley is responsible for Commercial Banking at Capital Bank, and is president of the region that includes North and South Carolina and Eastern Tennessee, where he leads a team of treasury management, specialty banking and capital banking experts. He is also responsible for indirect lending across the entire five-state footprint of Capital Bank. Manley also oversees Capital Bank’s two subsidiary companies, Superior Financial Services, Inc. and Capital Auto Finance Co. Before joining Capital Bank in 2010, he served in several leadership roles at First National Bank of the South, including chief lending officer, regional executive officer and regional president. Earlier, he held senior positions with First Charter Bank, RBC and Barnett Bank.